Insurance Smash Repairs in Launceston

In most cases, no. Australian consumers generally have the right to choose their own repairer when making an insurance claim, though it's worth checking the specific terms of your policy. Some insurers may have preferred repairer networks, but this doesn't always mean you're locked in. It's worth contacting your insurer directly to clarify your options before committing to a repairer, particularly if you have an existing relationship with a workshop you trust.

The process typically starts with contacting your insurer to report the incident and lodge a claim. You'll usually need to provide details of the accident, photos of the damage and any relevant information about other parties involved. Once the claim is lodged, your insurer will advise on next steps, which may include an assessment of the damage. From there, an approved repairer carries out the work and invoices the insurer directly, meaning you may only need to cover any applicable excess.

This depends on the type of cover you hold and the circumstances of the accident. Comprehensive insurance generally covers the cost of repairs to your own vehicle regardless of fault, while third party policies may only cover damage caused to other vehicles or property. Your policy excess will typically need to be paid before or at the time of repairs. If there are any costs not covered by your policy, your repairer should be able to walk you through what's included and what isn't before work begins.